Its being last day in my office to submit investment proofs, I was looking for my medical policies payment acknowledgments. Royal Sundaram Lifeline Health Insurance Plan is a comprehensive health insurance cover that comes out in three variants- Elite, Supreme, and Classic. All Rights Reserved. Royal Sundaram General Insurance Co. Ltd. (formerly known as Royal Sundaram Alliance Insurance Company Limited), a subsidiary of Sundaram Finance Group, is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and … There is no restriction to the number of claims that an insured person can make in a year. It is always advisable to renew the policy well before the date of expiry to ensure continuous coverage. These are not covered under the Health Insurance policy. Self Quarantine at home or other places as a precautionary and preventive measure is not covered under the policy. In addition to this, you need to consider the time duration an insurance company has been in business as its expertise in health insurance will be reflected in the policies it offers. Is the quarantine period arising from COVID-19 covered under the Health Insurance Policy? M- Chatra App – your insurance policy now at your finger tip! The insured shall also provide to the TPA by fax or e-mail, the details of hospitalization like diagnosis, name of hospital, duration of stay in hospital, estimated expenses of hospitalization etc. Keeping this in mind, Royal Sundaram offers health insurance coverage that provides cashless hospitalisation to members, making it less stressful. and the marvelous service in taking part in the service industry particularly Health Insurance It is great timely support for clearing our claim which really vanished our tears and thanks for your service. This insurance plan comes with sum assured option of Rs. It is another important factor you need to consider while buying an insurance policy online. (Proposer) He can avail a tax exemption of up to Rs25,000/- for the premium paid for self, spouse and children. Motor Insurance. I would really like to say thanks to you for the satisfactory services from Royal Sundaram. I am so happy and satisfied with the service provided by Royal Sundaram that I would recommend everyone to purchase Health Insurance policy from here. What do you mean by Domiciliary Hospitalization? Accident Insurance For Protection against Accidents for just Rs. India's 1st IRDAI Approved Insurance Web Aggregator Our Products. Due to a change in lifestyle, health related issues have not just increased, but have become more complex in nature. We value your feedback. What is 'No Claim Bonus' under health insurance? You will need to get in touch with our customer services team and share a request in writing to initiate the process. Royal Sundaram Health Insurance is one of the top health insurance providers in India. Why Health Insurance is Important for You? Having a backup to fall back on in such circumstance is a boon to all, taking a great burden off our shoulders. in the prescribed form available with the Insurance help desk at the Hospital. It offers coverage for 19 different relations. Health Insurance is the only solution to protect our savings, against such unforeseen medical costs. Health insurance premium calculator helps you to calculate your premium. How is the Health Insurance premium calculated? Know more about Health Insurance Portability. Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalization was required and; The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance Company. Submission of claim: The insured shall submit the claim form along with attending physician’s certificate duly filled and signed in all respects with all the necessary claim documents not later than 30 days from the date of discharge. Notice of claim: You need to inform the insurance company at least 48 hours prior in case of planned hospitalization and within 48 hours in case of an emergency situation. 100% Reload of Sum Insured at no extra cost. Home Insurance Claim Process Tips; Types of Property Insurance Policy; Home Insurance Coverage; Home Insurance vs Home Warranty; View All; General Info . Royal Sundaram is a leading general insurance company in India, offering online Health Motor Travel Home Insurance. Buy or Renew Health Insurance Policy instantly without any paperwork, Cashless hospitalization at over 5000+ network hospitals. The Excluded hospitals are not a part of the Royal Sundaram General Insurance Network. Medical Expenses incurred immediately before and after the Insured Person is hospitalized, provided that: Below are some of the key documents that will be needed. Notice of claim: Preliminary notice of claim with particulars relating to Policy number, Name of the Insured Person in respect of whom claim is made, nature of illness/injury and name and address of the attending hospital, should be given to the Insurer within 72 hours before admission in case of planned hospitalization, and not later than 48 hours or before discharge, in case of emergency hospitalization. What does a Health Insurance policy cover? Royal sundaram settled my son's health insurance claim within three weeks.procedure is slightly slow, but it is reliable company.There should be improvement in claim status on line information to customers.After all good health insurance company. An insurance company’s experience, financial strength, and service record plays a very important role while buying an insurance online. Royal Sundaram Health Insurance. There is a section 80 D benefit that is available for the person who is paying for the insurance policy. Sundaram Finance holds 74% and RSA holds the remaining 26% in the company. The company offers a wide range of general insurance products from motor to home insurance. What are the procedures involved while claiming for health insurance? We will send you periodic SMS alerts on the status of your claim. Royal Sundaram … You can avail cashless Hospitalization facility, Your pre and post hospitalization expenses are covered, You get tax benefits under Section 80D of the Income Tax Act, Step 1: Select the health insurance option – individual or family floater, Step 3: Select members who need to be insured, Step 4: Click on “get quote” option to get the quote. Addictive conditions and disorders. With state-of-the-art equipment, and well-trained doctors and physicians, the network hospitals affiliated with Royal Sundaram provide the best treatment to its members for any illness or disease along with taking proper care regarding pre-treatment and … Admissible expenses incurred during the quarantine period are payable under the Health Insurance Policy for COVID-19 positive cases with in-patient hospitalization treatment, in accordance with the applicable terms and conditions of the policy. Happy to help as you are the center of everything we do. No waiting period. Royal Sundaram General Insurance Co. Limited. Watch the video to know more. Yes. Granted on October 23, 2000. CIN : U67200TN2000PLC045611, Royal Sundaram customers are requested to remit the premium by way of cheque, demand draft(drawn in favour of Royal Sundaram General Insurance Co.Limited) or any other approved banking mode. The Critical Illness lumpsum policy by Royal Sundaram is a great help for those whosoever is aiming and planning for a safe and secure future. i-Lounge Agent Portal, Want to become an Agent? I just entered my name and number on the site and received a callback. Quality service is important. Health insurance is a type of insurance policy that lends financial protection during medical emergencies by paying our medical-related bills... Family Health Insurance plan is a comprehensive package specially designed to offer complete protection to the insured and his family. The smart move for smart riders. Is there any Income Tax exemption limit on Health Insurance? Which locations are considered as quarantine? It is the ratio of number of claims that get paid, in relation to the total number of claims made in any given period of time. These help us serve discerning customers like you to the best of our abilities, always. 2, 3, & 4 Lacs: 5, 10, 15, 20, & 50 Lacs: 25, 30, 50, 100, & 150 Lacs: Baseline Cover Benefits: Inpatient Hospitalization: Maximum up to SI : Maximum up to SI: Maximum up to SI: Day care treatment: … Thus the maximum exemption amount can go up to Rs75,000/-, depending upon the number of covered members in the family. Learn more. In addition to the above our products come with a whole range of additional benefits such as. Royal Sundaram Health Insurance Claim Procedure. The only car insurance with the promise of total protection, Enjoy your 3 year insurance cover with us, Buy or Renew your Health Insurance Policy instantly without any paperwork, A holistic home insurance plan to cover your precious assets. Is it possible to transfer my policy from one insurance company to another without losing the renewal benefits? Will Diagnostic expenses for Corona positive be covered under the Health Insurance Policy? Can I get Reimbursements in case of treatment in non- network hospitals? What does Pre and Post hospitalization mean? International Treatment for 11 specified Critical Illness, Nutritional Allowance for mother, post delivery. It offers a range of health insurance plans that cater to different requirements of the customers. We will cover Medical Expenses for all of the below during the period of hospitalization. 1. The health insurance plans are customized to offer comprehensive coverage to the policyholder and the insured family members. The cost varies anywhere between Rs10 to Rs15 lakhs to treat such major life threatening diseases. royal sundaram alliance insurance company ltd., 6: paramount health services and insurance tpa pvt. The only limitation will be the adequacy of the chosen sum insured. Double your Sum Insured in 5 claim free years with No Claim Bonus. Some of the common reasons are. During the conversation our call got disconnected and I had to call again. You will need to call or write to our Customer Services and share your revised address to enable us to change the same in the policy. Maternity health insurance; Health Insurance Comparison; Mediclaim Policy; Group Health Insurance vs Individual Health Insurance; Cashless Health Insurance ; View All; Articles on Home Insurance. Royal Sundaram health insurance policies have been the choice of my family for the last 5 years. Will Medical/Diagnostic expenses for Corona negative /suspected cases be covered? What are the differences between Health Insurance and Personal Accident Insurance? Lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family. He again connected with me and finally sent my document. Types of Royal Sundaram Health Insurance Plans 1. Thank you for wonderful support extended by you. An Exciting Career Oppurtunity with Royal Sundarm Awaits. Royal Sundaram Alliance Insurance Company is a joint venture between Chennai based Sundaram Finance and Royal & Sun Alliance Insurance Group of UK. There is a 30 day grace period available, after the expiry date to renew the policy, with continuity benefits. Revision in Third Party Premium Rates – All Motor products, Just share your details, we will get back to you, Pradhan Mantri Fasal Bima Yojana (PMFBY) - Crop Insurance, Some important questions related to COVID-19 claims answered here. We have a solution for this, pay Royal Sundaram General Insurance premiums on time through Paytm and all you have to do is follow a few simple steps. Your insurance policy must be determined by your family’s requirements. Can I have medical policies from multiple insurance companies? Part of ‘Sundaram’ group, one of the most trusted brand in India- RSA operates with a set of values called the ‘Sundaram Way’. The common waiting periods in all policies will include a 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods which can vary from 2 to 4 years. Just share your details, we will get back to you. the condition of the patient is such that he/she is not in a condition to be removed to a hospital or; the patient takes treatment at home on account of non-availability of room in a hospital. Please refer to the policy terms and conditions for the complete list. This insurance plan will take care of the health treatment for critical illness or any other serious medical condition... Health insurance policies online - Things to look out before choosing. It may not be proper for me to promote any insurer’s products or talk bad about any other. Medical test is generally needed only beyond the age of 45 or 50, depending upon the product / plan chosen by the customer. 2 per day! Share your experience with us. With our sedentary lifestyle, poor eating habits, erratic sleeping cycles and degrading environmental conditions, the rate of illnesses is consistently on the uphill. Have got my first claim settled for my accidental treatment. No. Thus the maximum exemption amount can go up to Rs75,000/-, depending upon the number of covered members in the family. Compare features and benefits of health insurance plans from Royal Sundaram and Star Health. Quarantine Expenses will be covered for negative/ suspected cases, provided there is an in-patient hospitalization with active line of treatment that is admissible under the policy. Health Insurance is an indemnity policy, where the insurer will pay up to the amount of claim, which can be lower than the opted sum insured. Available in three variants namely Classic, … This plan is designed especially for large families. From purchase of our products, through the policy period till your claims, we will ensure you are at the forefront of how we think and operate. Aditya Birla Health Insurance. Health Insurance covers any major, unforeseen, illness or accident, which requires admittance and treatment in a hospital, for more than 24 hours. Test reports and prescriptions relating to First / Previous consultations for the same or related illness. Thus, it is important to have a health insurance plan in place. But for the purpose of ease of administration, we will recommend that you buy one policy, with a higher sum insured, rather than multiple policies with smaller sum insureds. (Proposer). Royal Sundaram Gives False promises To Consumers. The company has a customer base of more than 5.2 million individuals across the country and has more … A family member being hospitalised causes tremendous distress to one, emotionally as well as financially. 2. With state-of-the-art equipment, and well-trained doctors and physicians, the network hospitals affiliated with Royal Sundaram provide the best treatment to its members for any illness or disease along with taking proper care regarding pre-treatment and post-treatment conditions. Are Hospitalization expenses incurred due to COVID-19 covered under the Health Insurance Policy? With the help of these variants, people can easily choose the required coverage and sum insured as per their convenience. Yes. In a family floater policy, a common sum insured can be shared by all members of a family. With the Royal Sundaram Family Plus Health Insurance Plan, you can cover yourself and your family up to 19 members. For any clarifications Please call us on 1860 258 0000, 1860 425 0000. Articles on Health Insurance. With this fast-paced life, people often forget to pay their Royal Sundaram General Insurance premium on time. 2 lakhs to Rs. For parents aged above 60 years (senior citizens), there is an additional Rs25,000/- on offer. Yes. There are no such discounts available. I like to appreciate the customer care officer, who was interacting with me on phone and resolving my queries. When it was being formed, Royal Sundaram was jointly owned by Sundaram Finance and other stakeholders from India. If you already have a medical coverage from another insurer, you can apply for portability to transfer the credit gained by you for pre-existing conditions and time bound exclusions. Royal Sundaram's service is excellent. I needed health insurance policy and i got it from them swiftly and easily. The health insurance policy will be valid in all parts of India. For parents aged above 60 years (senior citizens), there is an additional Rs25,000/- on offer. Call Royal Sundaram Health Insurance Customer Care to receive quality support from a team of experts. About Royal Sundaram Alliance Insurance Company. Customers are requested to avoid payment of premium by cash as far as possible. If cancelled, will I get my premium back? Royal Sundaram Health Insurance The leading general insurer Royal Sundaram General Insurance Company Limited started its operation in the year 2001. Have your questions about products answered and … Yes. The premium is calculated based on the age of the insured person, plan type / SI opted, tenure opted and the location of the proposer. It includes maternity benefit, reload benefit, no claim bonus, individual + family sum assured, and no restriction of entry age. You can purchase this policy if you are aged above 18 years for yourself, spouse, and children. You must read the policy documents carefully to read about the inclusions and exclusions of the plans. An Exciting Career Oppurtunity with Royal Sundarm Awaits. Two Wheeler Insurance by Bharti Axa. The medical costs and the complexity of diseases is also increasing... 10 Common Exclusions in Health Insurance Plans. I also would like to appreciate your service,support and guidance to settle claim in time, your staff also is well mannered and supportive.Thank you once again. Royal Sundaram Lifeline Health Insurance Policy: Royal Sundaram Lifeline Policy is an indemnity health insurance policy that is offered on an individual as well as family floater basis. Get medical insurance cover with lifetime renewal and cashless hospitalization at over 3000+ network hospitals. The plans are of different types and offer wide coverage at affordable premiums. Royal Sundaram Lifeline Health Insurance Plan. The request will be considered, subject to necessary medical underwriting process. It is a unique Critical Illness Policy designed to ensure that you are cushioned against financial adversity as a result of critical illness at an affordable price. Bharti AXA Group Health Assure Insurance. Aditya Birla Health Insurance Vs Royal Sundaram Health Insurance Plan Comparison Aditya Birla Health Insurance . And what it doesn't cover? All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including doctor’s prescription advising such tests/ investigations (CDs of angiogram, surgery etc need not be sent unless specifically sought). This is more cost effective as compared to an individual sum insured policy, where each member of the family will have a separate sum insured for him or her, which cannot be shared with other family members. Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the Network Provider by the insurer to the extent pre-authorization approved. Benefits of Renewing Health Insurance With Royal Sundaram. The above hospital list can be modified without any prior notice. Popular Plan comparison. We are a team of 2000 plus employees and our products are distributed across 130 cities. The Insured shall also provide any additional information or medical record as may be required by the medical panel of the TPA. Share your experience with us. Case history / Admission-discharge summary describing the nature of the complaints and its duration, treatment given, advice on discharge etc issued by the Hospital. The chosen sum insured of Rs3 or Rs5 lakhs, will be available to the customer for a period of one year. Reloaded sum insured will help you to settle those claims. After receiving all the claim documents, the insurance company will make payment for the admissible amount following all the policy terms and conditions. Once your portability application is accepted you can buy Royal Sundaram Health Insurance Policy. Appreciate the good response and easy documentation for the policy. In order to use this calculator, you first need to fill in all the personal details in your form along with other details. Premium will be refunded, based on the short period rates mentioned in your policy terms and conditions. Popular Hospital with Cashless Treatment From Royal Sundaram. Death summary in case of death of the insured person at the hospital. Here’s a step-by-step guide that will help you to understand it in a better way –, Here’s a basic difference between both the policies –. Royal Sundaram Health Insurance Reviews & Rating. We will deny the claim only if the patient is treated as an out-patient. If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. PA cover is a benefit plan where the entire sum insured is paid, in the event of a claim. What is the difference between Family Floater & Individual Health Policy? Are there special discounts available for handicapped people? Diagnostic expenses followed by in-patient hospitalization treatment would be paid as pre-hospitalization expenses as per the terms and conditions of the policy. Click to read, Notification from IRDAI on Motor third party and Health insurance policies, Telangana, AP & other neighbouring states floods (October 2020) claims assistance, Cyclone Nivar (November 2020) claims assistance. Featured; Accident and Health; Travel; Motor; Care In COVID-19, Simplified. Preventive healthcare as well as wellness, Pre-existing medical conditions as declared by the policyholder during the purchase of policy up to the waiting period (Plan Particular). Royal Sundaram Customers are requested to remit the premium by way of cheque,demand draft (drawn in favour of Royal Sundaram General Insurance Co. Limited), or any other approved banking mode. We have won the ‘Celent Model Insurer Asia Award’ for intelligent claims management system. Are the expenses incurred during quarantine period arising out of COVID-19 payable under the Health Insurance Policy? Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. Yes, the hospitalization expenses incurred due to COVID-19 are covered under all the Health Insurance Policies of Royal Sundaram General Insurance Co. Ltd, as per the terms and conditions of the policy. The policies can insure up to 19 family members in one plan. There could be several reasons for denial of a claim. For admission in Network Hospital (Cashless Claims) Insured Person shall call the TPA helpline and furnish Membership Number, Policy Number and the Name of the Patient within 72 hours before admission to hospital for planned hospitalization and not later than 48 hours of admission in case of emergency hospitalization. Compare Health Insurance Plan - Lifeline VS Family Plus, Buying Health Insurance Online - Important Factors to Consider, Health Insurance Claim Process & Procedure. For admission in Non-Network Hospital or into Network Hospital if cashless facility is not availed (Re-imbursement Claims). Hospital Receipts / bills / cash memos in Original (including advance and final hospital settlement receipts). Is there any waiting Period for claims under a health insurance policy? Instant, affordable Health Insurance from Royal Sundaram for you and your family. Submission of claim: The policyholder must submit the duly filled and signed claim form along with other necessary claim documents. Activ Health Platinum-Enhanced 2 Lakh to 200 Lakhs. You can buy more than one health policy. Wide Range of Sum Insured. This period of admittance and treatment cost increases if we are affected by any critical illness such as cancer or kidney failure. This time we bought it through Policybazaar’s website and the experience was amazing. After establishing the admissibility of the claim under the policy, the TPA shall provide a pre-authorisation to the hospital guaranteeing payment of the hospitalization expenses subject to the sum insured, terms conditions and limitations of the policy. 9 Tips to choose the best Mediclaim Policy Online. You can also call our customer services team to get more details. Medical costs are rising day by day. IRDA Registration NO. Under which situation will the Insurer deny claim settlement for Corona virus positive cases? You can cancel your current policy. Major exclusions include, 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods and some permanent exclusions. Choose from basic health coverage to specialist medical insurance plans that offer maternity benefits. You can call on 1860 425 0000 or write to customer.services@royalsundaram.in. Having to cover the medical costs along with managing the household can take a toll on us if unprepared for such circumstances. Life Line and Family Plus offer very good coverage at very affordable premium rates. Each of our policy represents our ‘promise’ to best serve you. Moreover, the insurer’s claim ratio of 61% makes it one of the most … There is no restriction on maximum entry age under this policy. Will quarantine expenses be covered if it is not in a hospital? I am already having health insurance and want to increase sum insured, what should i do? I would really like to say thanks to you for the satisfactory services from Royal Sundaram. It is India’s first private insurer which is promoted by Sundaram Finance and RSA. 3. Pre-existing cover after 3 year waiting period. Our edge comes from our people. Cashless facility is not available at any of the above hospitals. 3lac, 4lac, 5lac, 15lac, 20lac, and 25lacs in case of family floater policy. Are there any tax benefits on health insurance policy? I really appreciate your gesture and and quick response Hope to be back with you after renewal Thanks a lot. Health policy any paperwork, cashless hospitalization at over 5000+ network hospitals moments to in! Products come with a wide range of health insurance premium on time taken at these hospitals will be! App – your insurance policy plan where the entire sum insured insurer s. 600 002 assured option of Rs. can make in a year paid by the customer for a of... Will guide you on the short period rates mentioned in your form along with other details preventive measure not!, comprehensive Car insurance vs Individual health insurance at Royal Sundaram for you and your family Chennai based Sundaram holds! Rs3 or Rs5 lakhs, will i get Reimbursements in case of family members in one plan thanks lot. Procedures involved while claiming for health insurance plans that cater to different requirements of chosen! 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